Download 397 Ways to Save Money: Spend Smarter & Live Well on Less by Kerry K. Taylor PDF

By Kerry K. Taylor

Want to avoid wasting hundreds of thousands with out feeling like you’re slicing corners? locate the hidden funds on your day-by-day exercises? dwell fortunately on a smaller budget?

With advice, methods and concepts that variety from long term discount rates to speedy profit your pocket, 397 how one can keep Money makes residing inside the cheap easy—and even enjoyable. Written through a standard Canadian whose frugal methods have kept her hundreds of thousands, this available consultant bargains saving savvy that you simply don’t have to be a monetary planner to appreciate. by means of taking a look in each nook of each room in your home, from the kitchen to the closet, and through contemplating the desires of each member of your loved ones, out of your baby in your puppy, 397 how you can shop Money may help you discover hundreds of thousands of greenbacks in discounts with out altering your lifestyle.

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Extra info for 397 Ways to Save Money: Spend Smarter & Live Well on Less

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BOTTOM LINE: By switching to a no-fee credit card with attainable rewards, I put food on the table for free and saved on annual fees. Pay more than the minimum balance. Paying the bare minimum on your monthly balance only prolongs the debt agony and increases the amount of interest you pay to the credit card company. Save yourself at least 18% in interest charges by paying off your credit card debt every month. Depending on the size of your debt, you may add thousands to your wallet each year. For example, on a starting balance of $1,500 with an annual interest rate of 19%, your debt would be paid off in 8 years and 9 months if you paid only the minimum balance of 4% of the initial balance, or $60 per month.

But considering the thousands of dollars I’ve saved by putting in the effort to manage my money, it certainly added up to a very nice return on my time. Considering there are quite literally thousands of different ways to manage your money, your financial situation might be similar to mine or it might be vastly different. Regardless of where you’re at, there are many opportunities for you to save money on your financial expenses. Credit Cards A credit card can be an expensive piece of plastic to carry.

But it can. And I’ll show you how. In my own life I’ve discovered that saving money is fun and somewhat addictive. I came from a family who valued saving, so when I found myself in a whole mess of student debt after university, I decided I needed to get out of it as quickly as possible. By making simple changes, rethinking which costs mattered in my life and picking up a whole bunch of economical new habits, I not only dug myself out of debt in six months but went on to save my way to a six-figure portfolio—and budget-friendly living just stuck with me.

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